Special Credit Director

If you're looking for a career that will help you stand out, join HSBC, and fulfil your potential - whether you want a career that could take you to the top, or an exciting new direction, we offer opportunities, support and rewards that will take you further. We're one of the largest banking and financial services organisations in the world, with a network that covers more than 50 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people fulfil their hopes and realise their ambitions.. We are currently seeking an experienced professional to join our Special Credit Unit in the role of Special Credit Director. As a Special Credit Director for the HBUK Special Credit Unit, you will be responsible for protecting the Bank's balance sheet whilst safeguarding the Bank against reputational and other non-financial risks. This includes working with the First Line of Defence and Wholesale Credit Risk to identify customers that are in a state of financial stress/distress and working together to mitigate such risks. This role offers a unique opportunity to become a trusted specialist in managing complex, high-risk customer relationships while developing expertise in credit judgement, stakeholder negotiation and reputational risk management. You'll work alongside experienced Special Credit professionals, gaining exposure to real-life distressed situations and learning from previous case outcomes to strengthen your own decision-making and risk assessment capabilities. With support of an established team, you'll develop the confidence to influence senior stakeholders, navigate challenging negotiations and play a key role in protecting the bank whilst helping customers achieve sustainable outcomes. As an HSBC employee in the UK, you'll have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution. In this role you will: Work alongside CMB Relationship Managers on distressed and high-risk corporate customers, identifying risks and implementing appropriate turnaround or recovery strategies Conduct detailed assessments of customer financial performance, business viability and credit risk to support informed decision-making Lead and participate in negotiations with customers, lenders, shareholder, advisers and internal stakeholders to achieve optimal outcomes Minimise impairment and maximise recoveries whilst balancing customer outcomes, commercial objectives and reputational considerations Ensure adherence to HSBC's risk framework, regulatory requirements, conduct standards and governance processes To be successful in this role you should meet the following requirements: Strong credit risk and analytical skills, with the ability to identify, assess and mitigate complex risks Sound judgement and strategic thinking, demonstrating the ability to make balanced decisions in challenging situations High levels of financial literacy, including the ability to analyse, challenge and interpret financial information Excellent stakeholder management and negotiation skills, with the confidence to influence and build credibility across a range of audiences Strong awareness of reputational risk, conduct and integrity, ensuring decisions protect both customers and the bank Opening up a world of opportunity. Being open to different points of view is important for our business and the communities we serve. At HSBC, we're dedicated to creating diverse and inclusive workplaces - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We are committed to removing barriers and ensuring careers at HSBC are inclusive and accessible for everyone to be at their best. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role. If you have a need that requires accommodations or changes during the recruitment process, please get in touch with our Recruitment Helpdesk: Email: [email protected] Telephone: +44 207 832 8500